Data Warehouse TransUnion Ltd TransUnion Limited All Rights Reserved
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1 Data Warehouse TransUnion Ltd 2006 TransUnion Limited All Rights Reserved
2 Agenda A brief of our business background in HK Business growth priority Steps taken and challenge encountered Result obtained and benefit gained in our business The technology we relayed on for our success 2
3 TransUnion HK Background Established in 1982 as Credit Information Services Limited (CIS) by 12 founding shareholders from Finance Houses Curbed serious losses from multiple finance Centralized database by 3rd party to share collateral information under finance Data Collection Started with Hire Purchase files Mid 80s - collected negative files Late 80s - collected public records Aug 2003 shared Positive Data 3
4 TransUnion HK Background (Cont d) To be a world-class fully-fledged credit bureau, TransUnion acquired a majority stake and became the largest shareholder of CIS in 1999 Soon after the acquisition, TransUnion brought into the marketplace a new credit report system platform 2000Plus Officially changed name to TransUnion Information Services Ltd (TUIS) in Jan 2003 and to TransUnion Limited in 2006 ( TransUnion HK ) TransUnion HK is now playing a pivotal role in the financial services industry in Hong Kong 4
5 Our Shareholders TransUnion HK is privately owned by 8 shareholders - TransUnion, D&B and the following banks: American Express Int l., Inc. The Bank of East Asia, Ltd. Hang Seng Finance Ltd. DBS Bank (HK) Ltd. The Hongkong and Shanghai Banking Corporation Ltd. Standard Chartered Bank (HK) Ltd. 5
6 TransUnion Members in HK Exclusive Membership under the Privacy Code Retail Banks Credit Card Issuers Bank-affiliated Finance Houses Other Financial Institutions 6
7 Portfolio Lines in TransUnion HK Unsecured Lending Credit Cards/Debit Cards Private label, affiliate, co-branded Personal Loan Revolving/Term loans Tax Loan Overdrafts Charge cards Secured Lending Mortgage (Negative Only) Mortgage Overdrafts (Negative Only) Autos Vessel Equipment Engine 7
8 Business Growth Priority Need to diversify the current static core business service (Credit Report) Turn data analysis service into business opportunities Time to market analysis service New products are required to develop Credit Scores Customized MIS Market trend monitoring Understand the market and the customers 8
9 Steps taken and challenge encountered Information locked in business silos and applications Redundant data, applications and infrastructure Can t deliver information at users need Lack of historical snap shot image No single view of the customer High cost to address each of the above issues 9
10 Result obtained and benefit gained in our business Pre Scope of ad-hoc data study confined to current month plus one previous month data only Require at least 1-2 days to reload historical database before any retrospective data study can be performed Upon priority schedule with occupying the host server resource and interrupt the scheduled process work Inconsistent historical data structure and compatibility due to system enhancement Multiple data sources located in different applications platforms External data analysis tool is required Long time required for new analytic product development Post Historical database up to 24 months always available for all kinds of data study Either ad hoc data analysis or in plan statistic process can be performed instantly time Independent system resources for data analysis and products development with real time access Consistent data structure standard with data patching control Consolidated data pool with one stop data shop Basic Data Mining and OLAP are easy to executed Over 40% of new analytic product development cost is saved 10
11 Data Warehouse Depends on the update frequency; can be daily or weekly, monthly, Ad-hoc Image Other applications DB Ad-hoc image TUCRS (Informix) Production Database With up-to-date image Transformation Month-end image Data Warehouse Database (DB2) Historical Archive Images 11
12 The technology we relayed on for our success Low cost hardware platform RedHat Linux on Intel Xeon CPUs 64G memory 2.5TB Enterprise Virtual Array (EVA) disk storage IBM data warehouse enterprise edition V9.1.2 DB2 enterprise server edition 9.1 WebSphere Application Server V6.0 Alphablox 8.4 Performance features Table Partitioning MQT (Materialized Query Table) MDC (Multi Dimensional Clustering) Data volume handling 1.5TB database size 125M credit data transactions during month end transformation Next step in plan Port to a 64bits environment to gain a better performance 12
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